Kay and Ellie's story

Nobody can predict what the future holds, but Kay and Ellie’s story shows that no matter what, you are forever a parent.

Kay is a Legal & General customer, who together with her husband, Chris, decided to take out life insurance to help protect them should the worst ever happen. Hear Kay and Ellie's full story below as they share with us the impact that life insurance had on their lives at such a difficult time.

We've also been talking to Kate about her story and what life insurance meant to her after the sudden death of her husband. Hear Kate's story.

Family are the most important people in our lives. We'd do anything to help them - making sure they're looked after and have everything they need to feel happy, safe and secure.

So while it's not a pleasant thought, it makes sense to think about how your family would cope financially if you were no longer around.

What is life cover?

Life cover helps you to financially protect your family's future, it offers some reassurance that your loved ones can still be looked after financially should the worst happen.

It could pay out a cash sum if you die while covered by the policy. You choose the amount of life cover you need and how long you need it for and you can pay your premiums monthly or annually. Your family could receive a cash sum to help with everyday living expenses, household bills, child-care costs or mortgage payments.

There are two options to choose from

Life Insurance - it could pay out a cash sum if you die during the length of your policy. The amount of cover you choose will remain the same, unless you make any changes to your policy.

Decreasing Life Insurance - designed to help protect a repayment mortgage so the amount of cover reduces roughly in line with the way a repayment mortgage decreases.

You can also choose to add critical illness cover at an extra cost when you take out your policy. It could pay out a cash sum if you are diagnosed with one of the many specified critical illnesses we cover during the length of your policy, such as heart attack, cancer or stroke*. The money you could receive can help make life easier - and help you focus on getting better.

*Some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.

Important information

This is not a savings or investment product and has no cash value unless a valid claim is made.

For Life Insurance, your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of cover is adjusted to match any new mortgage arrangements.

For Decreasing Life Insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.